128 Ruby Dr, Waterloo, IA 50702 Property Records

Black Hawk County property record for 128 Ruby Dr, Waterloo, IA 50702 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 1954
Square Footage	1,177 sqft Living Area
Lot Size	14,400 sqft (0.331 acres)
Occupancy	Owner Occupied
Last Sale	$137,500 (2022)
Tax Bill	$2,930.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`8812-07-153-029`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	6 Rooms
Building Area	1,177 sqft Living Area
1st Floor	812 sqft 1st Floor
Attic Area	365 sqft Attic
Attic	1 Attic
Basement Area	812 sqft Basement
Unfinished Basement	812 sqft Unfinished
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Plaster Interior Structure

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	14,400 sqft (0.331 acres)
Depth X Width	160 ft x 90 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	480 sqft Garage
Deck Area	113 sqft Deck

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	128 RUBY DR
City	WATERLOO
State	IA
Zip	50702-4639
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CLOSSON SUBDIVISION LOT 15
Legal Range	12W
Legal Township	88N
Legal Section	07
Legal Subdivision	CLOSSON SUBDIVISION
Legal Lot Number	15
Jurisdiction	BLACK HAWK IA
Minor Civil Division	WATERLOO
Census Blockgroup	1
Census Block	1030
Census Tract	2901

Owner

Source: Black Hawk County records · APN 8812-07-153-029

Assessment roll updated October 17, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	128 RUBY DR, WATERLOO, IA 50702-4639
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 22, 2022 · Amount on Record
Deed Sale	Dec 22, 2022 · Amount on Record
Prior Sale	Dec 22, 2021 · Amount on Record
Deed Doc Number	202213064
Record Refreshed	Sep 20, 2026

December 2021: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 22, 2021
Property Address	128 RUBY DR, WATERLOO, IA 50702-4639
Document Number	202200013064
Instrument Date	Nov 19, 2021
Instrument	202200013064
Transaction Type	Foreclosure
Record Updated	Jan 07, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$219.20
Amount Accuracy	Rounded Values by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 RUBY DR, WATERLOO, IA 50702-4639

Mortgage

Document Number	202200013065
Date	Dec 22, 2021
Instrument	202200013065

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2051

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,930.00 Homeowner's exemption	$147,010 (+1.19%) Land $23,400 Building $123,610	$147,010 (+1.19%) Land $23,400 Building $123,610
2024	$2,930.00 (+24.89%)
2023		$145,280 (+25.62%) Land $23,400 Building $121,880	$145,280 (+25.62%) Land $23,400 Building $121,880
2022	$2,346.00 Homeowner's exemption	$115,650 Land $23,400 Building $92,250
2021			$115,650 Land $23,400 Building $92,250

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.